Luvwine
Well-Known Member
- First Name
- Stephen
- Joined
- Jun 7, 2021
- Threads
- 3
- Messages
- 86
- Reaction score
- 101
- Location
- Western North Carolina
- Vehicle(s)
- 2010 Wrangler Unlimited Sport
I am a Plaintiff’s personal injury lawyer and have handled claims and tried cases against every major insurer for over 30 years. Most companies are pretty good on property damage claims (tho not always) but where they really differ is on the bodily injury side. Yes, usually your claim is against the other guy’s policy, but if they don’t have coverage or not enough, then your UM/UIM coverage will come into play. Also, if you are at fault, you want your insurer to fairly resolve a claim so you don’t get sued unnecessarily.
Anyway, I don’t shop on rates but have a pretty good feel for which companies are pretty good and which suck claims wise. Off the top of my head and just my opinion:
Good: Cincinnati, USAA, Nationwide, Travelers, Amica (tho not as good as they used to be), The Hartford.
Not so good: GEICO, Progressive, State Farm. I usually have to sue cases with all of these companies. They tend to make poor offers Pre-suit. Usually (almost always with Progressive and GEICO) I can resolve the cases fairly after some litigation. State Farm I have to try cases more often.
Worst: Allstate. Avoid like the plague. They lowball pretty much on every case then remain bad through trial. Two of my last three jury trials were with them snd offers so bad that I got 5x and 10x their highest offer at trial—just ridiculous. This does not apply to Property damage but why deal with a company that increases your chances of being sued if you are at fault or will treat you like crap if you make a UM/UIM claim?
Anyway, I don’t shop on rates but have a pretty good feel for which companies are pretty good and which suck claims wise. Off the top of my head and just my opinion:
Good: Cincinnati, USAA, Nationwide, Travelers, Amica (tho not as good as they used to be), The Hartford.
Not so good: GEICO, Progressive, State Farm. I usually have to sue cases with all of these companies. They tend to make poor offers Pre-suit. Usually (almost always with Progressive and GEICO) I can resolve the cases fairly after some litigation. State Farm I have to try cases more often.
Worst: Allstate. Avoid like the plague. They lowball pretty much on every case then remain bad through trial. Two of my last three jury trials were with them snd offers so bad that I got 5x and 10x their highest offer at trial—just ridiculous. This does not apply to Property damage but why deal with a company that increases your chances of being sued if you are at fault or will treat you like crap if you make a UM/UIM claim?
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